Suchitra Devi is 28 years old and a married lady living with her husband, two sons and one daughter. Her children go to school. She owns a small dairy farm which she runs with her husband. She supplies milk in her locality and to few of the hotels near the market place. The demand for milk is increasing and thus she has applied for a micro loan to fulfill the growing demands from her customers and earn more. Her monthly income is Rs 2000/-(USD44). She is standing in the middle of the group photo.
Suchitra Devi is the group leader who organizes monthly meetings and ensures that all repayments are made on time.
Rina Chatterjee is standing second from the right in the group photo. She is 46 years old and married. She runs a coaching (tutoring) centre with a few students. She wants to expand her coaching center as her students are increasing. She also wants to buy some furniture for this business to expand it as there are very few chairs and benches to seat all her students. And thus for doing these things she has applied for micro loan. She has one daughter who goes to school. Her monthly income is Rs. 2000/-(USD44).
Rajni Devi is standing first from the right in the group photo. She is 33 years old and a married woman. She runs a small canteen with her husband. She wants to expand her business and invest in her business and therefore she has applied for a micro loan. She has five members in her family including one daughter and two sons who are attending school. She wants to earn more to improve her standard of living. Her monthly income is Rs 2000/-(USD44).
Bikki Jha is standing second from the left in the group photo. She is 39 years old and married. She has tailoring business at her home. She wants to expand her business and also wants to buy a sewing machine as her customers are increasing day by day. In order to do this she has applied for a micro loan. She has two sons who go to school. Her monthly income is Rs 2000/-(USD44). The loan will be a big help because they wish for personal progress and progress for their families.
Usha Devi is standing first form the left in the group photo. She is 45 years old and a married woman. She provides auto service with her husband. She wants to repair her auto as her auto is in a very bad condition. She also wants to save something for the future to buy another auto and has hence applied for a micro loan. She has two sons and one daughter who are going to school. One of her sons is working on the basis of daily wages. Her monthly income is Rs 3000/-(USD66).
Usha Devi is taking the second cycle loan from Ajiwika Society as she has repaid the first cycle loan successfully.
These entrepreneurs are very dedicated and want to do good for themselves and their families. They understand the concept of Joint Liability Group. In case any member is unable to repay the micro loan, they will pay on the behalf of the member whose loan is delinquent. The entrepreneurs in the group support each other through the joint liability concept.
Note: In the entrepreneur names you may find that several last names are repeated e.g. Devi, Bibi, Kumari. These are not last names as commonly understood but respectful ways of addressing ladies in certain parts of India